There are a lot of benefits when we use credit cards. Credit cards are the best way to create a financial history. When you have a credit history, it allows you to borrow money and acquired certain things that otherwise, it will take you years. For example, a car, or a house.

It also allows you to rent a car, or a home, get a cell phone, getting insurance, your utilities, and sometimes even a job!

Credit cards can also protect you from robbers or fraudulent purchases.

Another benefit is that you can track your spending as long as you open your statements and take a look at them every month.

Some people use their credit cards as an emergency fund. It is not ideal, but I understand because sometimes putting aside 6 months of emergency funds takes time. Having it available on the credit cards, makes it convenient.

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